2023 Travelers IntelliDrive Review

Your Travelers rate could have gone up for many reasons, such as a recent claim or a new driver being added to the policy. Other factors that could cause Travelers to raise your rate include getting into an accident, being convicted of a moving violation, and adding coverage to your policy. Travelers may also raise your premiums for reasons that are beyond your control, such as recent natural disasters, increasing repair and healthcare costs, and crime trends.

Top Reasons Why Travelers Raises Rates 

• Recent claims
• New driver or car added to a policy
• Moving violations
• At-fault accidents
• Increased coverage
• Lower deductible
• Recent switch to an expensive car
• Relocation to a high-risk zip code
• Decline in creditworthiness

How to Lower Your Travelers Insurance

If you're struggling to afford your Travelers premium, there are a few steps that you can take to lower your rate. You can start by looking for Travelers discounts that you can qualify for, such as the hybrid/electric vehicle or safe driver discount. You can also make changes to your policy, including raising your deductible and reducing your coverage.

Another option is to switch insurance companies. Each insurer calculates rates differently, so you may be able to get the same amount of coverage elsewhere at a lower price. As a general rule, you should get quotes from at least three different companies every 6-12 months to make sure that you're still getting the best deal. 

Yes, Travelers uses telematics through IntelliDrive, a program that tracks a customer's driving habits using the mobile app. Customers can sign-up for IntelliDrive and receive a discount of up to 30% if they consistently practice safe driving.

What Travelers Telematics Tracks

• Speed
• Acceleration
• Braking
• Distracted driving
• The time of day that you drive

In order to use IntelliDrive, drivers need to install the mobile app and enable location services and WiFi, which allow the app to automatically detect driving activity. After 90 days of tracking, the discount  will be applied when you renew your policy. Keep in mind that if you practice bad driving habits while using Intellidrive, Travelers may raise your rate instead of giving you a discount. Intellidrive is currently available in 37 states and the District of Columbia.

To learn more, check out WalletHub's guide to usage-based insurance.

No, Travelers does not offer a specific low mileage discount. Travelers premiums do take mileage into account, however, as rates are an average of 15% lower for customers who drive 7,500 miles annually than for customers who drive 15,000 miles annually, according to WalletHub data.

Low mileage drivers usually save on their Travelers premium because less time on the road means a smaller chance of filing a claim. Besides offering lower premiums for low mileage drivers, Travelers offers good student, safe driver and driver training discounts, among others.

To learn more, check out WalletHub's guide to Travelers discounts.

No, Travelers does not offer pay-per-mile insurance. The closest thing Travelers has to pay-per-mile insurance is IntelliDrive, a usage-based insurance program that calculates customers' premiums based on driving habits, but it does not take mileage into account.

Pay-per-mile insurance is a type of car insurance that charges customers a flat rate plus a fee for each mile driven. It's a good choice for customers who are retired, telecommuting, or driving infrequently. Notable pay-per-mile insurance programs include MileWise from Allstate, ByMile from Liberty Mutual, and SmartMiles from Nationwide.

You can get the Travelers safe driver discount by staying accident-free for three years. With the Travelers safe driver discount, you can save up to 23% on your premium.

If you don't qualify for the Travelers safe driver discount, there are still ways for you to save on your premium. For example, Travelers offers a multi-car discount for drivers who insure two or more vehicles in their household.

To learn more, check out WalletHub's guide to Travelers discounts.

The Travelers good driver discount is up to 23% for qualifying policyholders. To qualify for the Travelers good driver discount, drivers must be accident-free for three years, and this can even include time that you've been insured by another company.

After you get into an accident, you will have to wait three years in order to qualify for the discount again. Additionally, accidents that are forgiven by Travelers accident forgiveness still count against your good driver discount, even though your base premium will not go up.

If you don't qualify for Travelers's good driver discount, there are still ways to save on your premium. For example, Travelers offers a multi-vehicle discount for drivers who want to insure more than one vehicle on their policy. You can also lower your rate by altering your coverage or increasing your deductible.

To learn more, check out WalletHub's guide to Travelers discounts.

Travelers is so cheap because the company offers a wide variety of discounts that almost anyone can get. A minimum coverage policy from Travelers costs an average of $58 per month, and Travelers premiums can be made even cheaper by taking advantage of discounts such as continuous insurance discount and paid-in-full discount. Plus, Travelers rewards customer loyalty with discounts for insuring more than one car and bundling multiple policies, such as home and auto.

Average Monthly Rates for Travelers vs. Top Competitors

Note: Premiums are representative of a 45-year-old good driver in CA; individual premiums will vary.

Travelers is especially cheap for young drivers in particular. That's because Travelers has special savings opportunities for drivers in this category, such as discounts for students who maintain at least a B average.

Your final premium is based on a variety of factors, though, such as your driving record, insurance history, and more. Every insurance company determines their rates differently, so even though Travelers is among the cheapest car insurance companies, the only way to confirm you've found the lowest price is to compare quotes from multiple companies.

To learn more, check out WalletHub's review of Travelers and see Travelers's full profile.

You can lower your Travelers car insurance costs by taking advantage of Travelers discounts, opting for a higher deductible, and reducing your coverage, among other things. Travelers considers a variety of factors when calculating your premium, though some – like your age and location – are out of your control. Fortunately, you can take steps to influence other factors in order to lower your rate.

How to Lower the Cost of Car Insurance from Travelers

Use Travelers's auto insurance discounts

Travelers offers a wide variety of discounts that can help you lower your overall car insurance bill. For example, drivers can get a discount of up to 13% if they have another Travelers policy. Or you can save  on your premium if you've had no accidents, violations, or major comprehensive claims in the past three years.

Raise your car insurance deductible

Opting for a higher deductible on any of your insurance policies from Travelers can lower your premium. But if you decide to go this route, it's important that you choose a deductible amount that you can still afford if you suddenly need to file a claim. Otherwise, you might not be able to use the coverage that you have.

Reduce your car insurance coverage

Most states require a certain amount of bodily injury liability and property damage liability coverage. But there are other coverage options (like comprehensive, collision, personal injury protection, and uninsured motorist) that you may not have to purchase, depending on your state. Less coverage usually means lower premiums, but it could also lead to higher costs in the long run, so it's important to approach coverage decisions with caution.

Improve your driving record

Practicing safe driving habits and avoiding moving violations can help you qualify for lower Travelers insurance rates long-term. You may also be able to attend traffic school in order to remove a violation or points from your record, depending on your state. Travelers even offers a maximum 8% discount to drivers who take an approved defensive driving course.

Build and improve your credit

Because your credit history is correlated with your likelihood of filing an insurance claim, Travelers uses your credit data to calculate your premium in states where it is legal. As a result, having good credit makes you less of an insurance risk, which will reduce your rates over time.

Drive less

Whether you can shorten your commute to work, use more public transportation, or even ride a bicycle more, driving fewer miles each year could lower your Travelers premium.

Drive an insurance-friendly car

Expensive cars, sports cars, and cars with high rates of theft are considered to be riskier to insure than cheaper, more practical vehicles. Before you buy a new car, get a new quote from Travelers to see how it will affect your rate. If the cost is out of your budget, then you should probably choose a different car.

Sign up for IntelliDrive

IntelliDrive, the Travelers telematics program rewards you for good driving with a discounted premium. Specifically, IntelliDrive tracks speed, acceleration, braking, distracted driving, and the time of day that you drive. By using IntelliDrive, drivers can save up to 40% on their rate.

Finally, if you're still struggling to afford your Travelers policy, you should consider switching insurers. Even if you're not actively looking for a new policy, it's generally a good idea to compare quotes from three different companies every 6-12 months. To learn more, check out WalletHub's guide to switching car insurance companies.

Yes, Travelers offers a defensive driving course discount for drivers who have successfully completed an approved driver education course. By voluntarily taking an approved defensive driving course, Travelers car insurance customers in eligible states can get a discount of up to 8%. Once the discount expires, drivers can renew it by taking another course.

Defensive driving courses improve your driving skills by teaching you how to handle difficult situations on the road. For example, common traffic school topics include DUI/DWI laws, the consequences of different moving violations, and how to share the road. Specific details vary between states and classes, but online defensive driving courses typically cost up to $40 and take 4-12 hours to complete. 

To learn more, check out WalletHub's guide to Travelers discounts.

No, Travelers does not have a dash cam discount, since no major car insurance company in the United States offers dash cam discounts as of March 2021. The closest thing Travelers has to a dash cam discount is IntelliDrive, which monitors policyholders' driving habits and adjusts their premiums accordingly.

IntelliDrive from Travelers is a type of usage-based insurance. The program tracks speed, acceleration, braking, distracted driving, and the time of day that you drive and can save policyholders up to 30%.

Even though Travelers does not offer a dash cam discount, purchasing a dash cam could still be worth it in the long run. For instance, dashboard cameras can help prove fault in a car accident, prevent insurance fraud, and provide evidence in traffic court.